Hawaii Stevedores/Castle & Cooke Hi Credit Union

Hawaii Stevedores/Castle & Cooke Hi Credit Union is headquartered in HONOLULU and is the 65^th largest credit union in the state of Hawaii. It is also the 4,302^nd largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 3 employees and 1,436 members. Hawaii Stevedores/Castle & Cooke Hi Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics HAWAII STEVEDORES/CASTLE & COOKE HI NCUA # 2941 BankRate Report View Year Chartered 1938 Employees 3 Primary Regulator Assets and Liabilities Assets $12.21 million Loans $5.72 million Deposits $11.30 million Equity Capital $858,000 Loan Loss Allowance $29,000 Unbacked Noncurrent Loans $65,000 Historic Data - December 2010 Assets $12.15 million Equity Capital $873,000 Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $61,000 Profit Margin - Quarterly Net Interest Margin 6.91% Return on Assets -0.12% Return on Equity -1.75% Interest Income $471,000 Non-Interest Income $50,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Hawaii Stevedores/Castle & Cooke Hi Credit Union had $65,000 in non-current loans and owned real-estate with $887,000 in equity and loan loss allowances on hand to cover it. This gives Hawaii Stevedores/Castle & Cooke Hi Credit Union a Texas Ratio of 7.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hawaii Stevedores/Castle & Cooke Hi Credit Union held steady from 6.79% as of December 31, 2010 to 7.33% as of December 31, 2011, resulting in a negative change of 7.88%. This indicates that the balance sheet and financial strength for Hawaii Stevedores/Castle & Cooke Hi Credit Union has held steady in recent periods. Deposit Growth In the past year, Hawaii Stevedores/Castle & Cooke Hi Credit Union has increased its total deposits by $59,000, resulting in 0.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hawaii Stevedores/Castle & Cooke Hi Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hawaii Stevedores/Castle & Cooke Hi Credit Union has $12.21 million in assets with $887,000 in equity, resulting in a capitalization level of 7.26%, which is below average.

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